Telematics Insurance

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Why Compare Cheap Telematics Insurance Quotes With SimplyQuote

Finding car insurance policies can be a nightmare. You’re trying to manage your life and work, and now you have to set time aside to do research into different insurance providers and the policies they offer.

But with SimplyQuote you can forget about the hassle, and let the completely free online comparison tool do the work for you! Simply provide us with some information about yourself and your car, and we’ll provide you with quotes from the UK’s leading insurance companies. No costs, no commitments, no stress!

What Do You Need To Get A Quote From SimplyQuote?

Simply provide SimplyQuote with the following information to receive telematics insurance quotes:

  • Personal details: Your name, age, contact info and address.
  • Car details: Registration, make and model, year.
  • Driver details: Who all will be included under the policy (including yourself), driver/s age, claims history, driving history.
  • Location: UK postcode where the car is parked overnight.
  • Annual mileage: How far you expect to drive per year.

Why Do You Need Telematics Car Insurance?

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Is Telematics Insurance Right For Me?

What Are The Types Of Black Box Insurance?

The three main types of black box insurance are social, social and commuting, and business use insurance. There are also additional insurance types which will be discussed below.


If you choose social cover when taking out a black box car insurance policy, you’ll be covered for all types of driving that aren’t related to your work or business. This includes things like driving to the shops, visiting family, and going on holiday.

Social and commuting

Social and commuting insurance gives you the same cover as a social policy but means you can also use your car to commute to a single place of work.

Business use

If you’re planning to commute to more than one place of work or to drive between business sites, you’ll need to have a business use policy in place.

Other types of telematics car insurance

Pay per mile

This type of policy means the cost of your insurance is determined by how many miles you drive. You pay a small amount so that your car is covered whilst it’s parked and then a certain amount for the miles you drive each month. So, less monthly mileage will lead to cheaper insurance.


A plug-and-drive policy is the same as black box insurance, but instead of having a black box fitted into your car, your insurer sends you a small device that you can slot into your car’s 12V power socket. This device will then send your insurer data about your braking, cornering and speed.

Telematics mobile apps

This type of policy also works in the same way as a black box policy, but your driving data is monitored via a telematics app on your mobile phone using GPS.

What Are The Different Levels Of Black Box Car Insurance?

The three levels of black box car insurance are third-party only, third-party fire and theft, and comprehensive cover.

Third-party only (TPO)

Third-party only telematics insurance gives you cover for damage caused to a third party (including damage to their vehicle, property or injuries) during a car accident, but doesn’t cover you or your car.

Third-party, fire and theft (TPFT)

Third-party, fire and theft telematics insurance means you won’t be covered for damage caused to your own car during an accident, but you will be covered for damage caused to a third party. You will also be covered for car theft and fire damage.

Comprehensive cover

Comprehensive telematics insurance means you’re covered for any damage to your own car and any damage to a third party that is caused as the result of an accident. It also means that you’re covered for fire damage and theft. Any legal expenses or compensation should a claim be filed against you will also be covered.

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Which Add-Ons Are Available For Telematics Insurance?

The following optional cover can be added to your telematics policy for improved protection:


Breakdown cover

Adding breakdown cover to your black box car insurance policy means that you’ll be entitled to roadside assistance if your car breaks down. Your car may also be towed to the mechanic if it can’t be fixed.


Courtesy car cover

If you add a courtesy car cover to your black box insurance policy, you’ll be covered for the costs of a replacement vehicle while your own car is being repaired. Many policies will also cover you for a replacement vehicle in the event of your own car being written off.


Windscreen cover

This covers the costs of replacing or repairing your windscreen if it is cracked or smashed. An excess fee is usually applicable, the size of which will depend on your policy.


No-claims bonus protection

No-claims bonus protection means your no-claims bonus won’t be affected for certain types of claims. Depending on the type of accident you claim, your bonus could still be affected, so make sure you read the terms and conditions of the policy carefully.


Legal cover

Adding a legal cover to your TPO or TPFT black box insurance policy gives you cover for any legal costs if you take another driver to court or if you have to defend yourself in court against a claim.


Personal accident cover

If you add personal accident cover to your policy, your insurance provider will pay out if you’re killed or injured in a car accident.


Overseas cover

International driver cover means you’ll be insured to drive your car in other countries. The rules and requirements vary for different countries, and some policies will only cover you to go to Europe (called EU cover). So, always be sure to check exactly what your policy covers you for.

How Much Does Telematics Insurance Cost?

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How Can You Reduce Your Black Box Insurance Premiums?

Black box insurance is already a way to reduce young driver or standard car insurance premiums. But, here are some ways to reduce your telematics car insurance premiums even more.

Add an experienced named driver

Adding a named driver with more experience to your black box insurance policy can reduce the costs of your premiums as this driver will be considered less of a risk by your insurer.

Keep your mileage low

Your insurer will use the black box to gather data about your driving, and they will give you feedback about your mileage. If you keep your mileage low, your insurance premiums should be reduced as you’ll be less likely to be involved in an accident.

Pay a voluntary higher excess

One way to save money on your insurance is to volunteer to pay a higher excess fee than you would normally. This should reduce the amount you pay for your premiums, but you need to make sure you would be able to pay the excess fee if you were involved in an accident.

Compare quotes

Before you take out black box insurance, you should compare quotes from several different insurers to get the best deal available. It’s always best to compare quotes when it’s time to renew your policy as well, as you may be able to find a more affordable option elsewhere. SimplyQuote can help you with this.

Choose the right car

The car you drive can have a big impact on the cost of your insurance. Generally, cars that are in lower insurance groups are cheaper to insure as they’re considered to be safer by insurers.

Secure your car

Making your car more secure is a simple way to lower your insurance premiums. You can increase the security of your car by adding alarm systems, parking in a garage, and adding immobilisers.

Pay annually

Paying your insurance as a lump sum upfront means you will skip paying monthly interest on your instalments, saving you money over the course of your insurance term.

How To Compare Telematics Insurance Quotes With SimplyQuote?

Comparing quotes with SimplyQuote couldn’t be easier:

  1. Fill in an online form: Provide us with the necessary information so we can provide you with quotes.
  2. Choose insurance add-ons: Decide how covered you want to be.
  3. Compare telematics insurance quotes: Find the best quote to fit your needs and budget.
  4. Save money today: Find the best insurance deal and start saving.
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Frequently Asked Questions

What is telematics insurance?

Telematics insurance, or black box insurance, is a type of policy where the driver allows their insurance company to install a telematics device into their car so that their driving behaviour can be monitored and the costs of their insurance adjusted accordingly.

The most common device that insurance providers use is a telematics box. There are also policies that use different devices, such as plug-in devices that slot into the car’s cigarette lighter and telematics mobile phone apps.

Whichever device is used will work in the same way and send driving data to the insurance company to calculate a driving score. The driving score is used to assess if you’re a safe driver; if so, your car insurance premium should be reduced.

Generally, the driving score will range from 0 to 100, and a high score will lead to cheaper car insurance. Most insurance providers will also allow you to keep track of your own score and give you feedback so you can adjust your driving style and keep your score as high as possible.

How does the black box device work?

Black box insurance works by having a device installed in your car or an app installed on your phone that tracks your driving habits. This data is then used to determine your insurance premiums. The safer driver you are, the lower your premiums go.

Depending on what type of car you have, the black box will either be installed under the bonnet or beneath the dashboard.

Your insurance provider will usually pay for the black box to be installed, so you shouldn’t have to worry about any extra costs.

Are there mileage limitations on black box car insurance policies?

At the start of your policy, you will usually make an agreement with your insurer on an annual mileage limit that you can’t exceed. If you do exceed it, you will most likely be able to add extra miles to your annual limit – usually for an additional cost.

How long does the black box need to stay in the car?

Black box insurance policies last for the same period as standard insurance policies, which means the black box will be in your car for at least 12 months unless you cancel mid-term. Once your term is over, you can choose to renew your policy or cancel it and have the black box removed.

Are there curfew restrictions on black box policies?

Some black box policies can include curfew systems as part of their conditions, but this is usually something that you can opt out of if you don’t want it to be included in your policy. However, if you agree to only drive at certain times, it can lower your insurance costs.

Can older drivers get black box insurance?

Black box insurance policies are not just for young and inexperienced drivers; drivers aged between 25 to 29 years old could save up to £264 a year on average by having one installed.